Lendfinity Mortgage Lender Profile
Generally for Ontario borrowers with property equity who need private or bridge financing and will ask directly for terms the company does not publish.
Who they are
Lendfinity is a private mortgage lender based in Toronto. It markets equity-based lending to borrowers who fall outside bank guidelines. Its website displays an Ontario mortgage administration licence number, 13073, which indicates that it administers mortgages rather than operating solely as a brokerage. The company does not publicly describe itself as a mortgage investment corporation, and it does not publish a founding year, ownership details or an investor offering, so it is best treated as a private lending platform. It states that it partners with mortgage brokers and other professionals in sourcing and placing files.
What they lend on, and who for
The products it publishes are private mortgages, bridge loans and working capital financing, for both purchase and refinance transactions. These are underwritten on the equity in the property rather than on verified income. Beyond its Ontario base, the company does not say which provinces it lends in, and it does not specify mortgage positions, property types or term lengths. It publishes no construction or land programs. Because so little is set out publicly, ask for a current lending guide and confirm the licensing before you commit to anything with this lender.
How to approach Lendfinity
You can contact Lendfinity yourself; nothing stops you. What you cannot easily find out is what they will actually accept. What loan-to-value they will genuinely go to on your property, what exit they want to see, what the lender fee comes to, and how fast they can fund — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Private |
| Head office | 45 Sheppard Avenue East, Suite 211, Toronto, ON M2N 5W9 |
| Website | lendfinity.ca |
| Phone | 1-844-693-5363 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for Lendfinity
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with Lendfinity?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about Lendfinity
Is Lendfinity a real mortgage lender?
Yes. Lendfinity is a private based in Ontario. Its own site is lendfinity.ca.
What kind of lender is Lendfinity?
Private — categorised in our directory as Private Lender. Equity lenders — the property matters more than the borrower. Short terms, higher rates, lender fees, and speed. Right for a genuinely temporary problem, wrong as a destination.
Should I go to Lendfinity directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with Lendfinity regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would Lendfinity approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does Lendfinity lend?
Its head office is in Ontario. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would Lendfinity take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file